16796 Vista Summit, Ramona, CA 92065 Property Records

San Diego County property record for 16796 Vista Summit, Ramona, CA 92065

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,554 sqft · built 1997
Lot Size	0.256 acres (11,136 sqft)
Owner	2 Individual Names on File
Last Sale	$870,000 (Jun 2021)
Tax Bill	$12,079 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`278-492-24-00`

Property Details

APN / Parcel Number

Primary APN	`278-492-24-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,554 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	11,136 sqft (0.256 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	16796 VISTA SMT
City	RAMONA
State	CA
Zip	92065-6849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 192 TR 012754
Legal Subdivision	SAN DIEGO 4626-3
Legal Tract	012754
Legal Block	2
Legal Lot Number	192
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17021

Owner

16796 Vista Summit is owned and occupied by two individuals who bought it in June 2021.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Jun 25, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2021	Grant Deed, Transfer FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL CO A CA
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 18, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Apr 27, 2021 · Amount on File
Deed Document Number	2021461982
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Transaction Type	Mortgage
Record Updated	Nov 23, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16796 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000438254
Date	Nov 16, 2022
Instrument	2022-0438254

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2021
Property Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000461982
Map Reference	MAP 12754
Instrument Date	Jun 5, 2021
Instrument	2021-0461982
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	FIN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16796 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000461983
Date	Jun 25, 2021
Instrument	2021-0461983

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2021
Property Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000324761
Instrument Date	Mar 9, 2021
Instrument	2021-0324761
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST INTEGRITY TITLE AGENCY LLC, FIRST INTEGRITY TTL CO A CA

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 2ND AVE, SEATTLE, WA 98101-3800
Investor	Possibly a Property Investor

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000496477
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16796 VISTA SMT RAMONA CA 920656849, RAMONA, CA 92065-6849

Mortgage

Document Number	0000496477
Date	Oct 31, 2019
Instrument	496477

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 18, 2019
Property Address	16796 VISTA SMT, RAMONA, CA 92065-6849
Document Number	0000096032
Map Reference	MAP 12754
Instrument Date	Feb 21, 2019
Instrument	2019-0096032
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16796 VISTA SMT, RAMONA, CA 92065-6849

Mortgage

Document Number	0000096033
Date	Mar 18, 2019
Instrument	2019-0096033

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 16796 Vista Summit was $12,079.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Ramona City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,064,462 (+2%) Land $552,040 Building $512,422
2025	$12,079.00	$1,043,591 Land $541,216 Building $502,375
2023	$11,432.00 (+6.73%)	$1,003,068 Land $520,200 Building $482,868
2022	$10,711.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 16796 Vista Summit in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 16796 Vista Summit is very high, ranking above 94% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 94% of the US · above 79% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2022
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications.

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